RETIREMENT INCOME SOLUTIONS, INC Q4 2025 Filing

Filed January 27, 2026

Portfolio Value

$589.6M

Holdings

170

Report Date

Q4 2025

Filing Type

13F-HR

All Holdings (170 positions)

#	Stock	Shares	Value	% Portfolio
1	SPYMSPDR SERIES TRUST	1,797,996	$144.2M	24.46%
2	SPYSPDR S&P 500 ETF TR	70,380	$48.0M	8.14%
3	SPMDSPDR SERIES TRUST	702,621	$40.7M	6.90%
4	IVVISHARES TR	55,640	$38.1M	6.46%
5	JPSTJ P MORGAN EXCHANGE TRADED F	714,240	$36.1M	6.13%
6	MINTPIMCO ETF TR	327,797	$32.9M	5.58%
7	IWFISHARES TR	42,695	$20.2M	3.43%
8	IJHISHARES TR	233,379	$15.4M	2.61%
9	GLDMWORLD GOLD TR	131,546	$11.2M	1.90%
10	SPYXSPDR SERIES TRUST	173,073	$9.7M	1.65%
11	NDQINVESCO QQQ TR	13,396	$8.2M	1.40%
12	ESGUISHARES TR	54,307	$8.1M	1.37%
13	JMUBJ P MORGAN EXCHANGE TRADED F	142,367	$7.2M	1.22%
14	RSPINVESCO EXCHANGE TRADED FD T	36,945	$7.1M	1.20%
15	IWDISHARES TR	31,963	$6.7M	1.14%
16	IWBISHARES TR	17,274	$6.5M	1.09%
17	MDYSPDR S&P MIDCAP 400 ETF TR	10,323	$6.2M	1.06%
18	ACWIISHARES TR	41,040	$5.8M	0.98%
19	AAPLAPPLE INC	20,530	$5.6M	0.95%
20	FESMFIDELITY COVINGTON TRUST	143,461	$5.4M	0.92%
21	VOVANGUARD INDEX FDS	14,018	$4.1M	0.69%
22	AMZNAMAZON COM INC	17,385	$4.0M	0.68%
23	AVDEAMERICAN CENTY ETF TR	47,330	$3.9M	0.66%
24	DFAEDIMENSIONAL ETF TRUST	112,093	$3.6M	0.62%
25	SPYGSPDR SERIES TRUST	33,785	$3.6M	0.61%
26	XLKSELECT SECTOR SPDR TR	23,178	$3.3M	0.57%
27	BRK/BBERKSHIRE HATHAWAY INC DEL	6,615	$3.3M	0.56%
28	IVWISHARES TR	26,284	$3.2M	0.55%
29	MSFTMICROSOFT CORP	6,448	$3.1M	0.53%
30	EFAISHARES TR	31,830	$3.1M	0.52%
31	VOOVANGUARD INDEX FDS	4,652	$2.9M	0.49%
32	VUGVANGUARD INDEX FDS	5,521	$2.7M	0.46%
33	GOOGLALPHABET INC	8,442	$2.6M	0.45%
34	SPYVSPDR SERIES TRUST	42,796	$2.4M	0.41%
35	IWRISHARES TR	25,012	$2.4M	0.41%
36	VTIVANGUARD INDEX FDS	7,032	$2.4M	0.40%
37	GOOGALPHABET INC	6,828	$2.1M	0.36%
38	IVEISHARES TR	9,879	$2.1M	0.36%
39	SCHGSCHWAB STRATEGIC TR	61,608	$2.0M	0.34%
40	NVDANVIDIA CORPORATION	9,871	$1.8M	0.31%
41	LLYELI LILLY & CO	1,643	$1.8M	0.30%
42	PNOVINNOVATOR ETFS TRUST	39,639	$1.7M	0.28%
43	POCTINNOVATOR ETFS TRUST	35,850	$1.6M	0.27%
44	SMHVANECK ETF TRUST	4,181	$1.5M	0.26%
45	GQ9SPDR GOLD TR	3,715	$1.5M	0.25%
46	PDECINNOVATOR ETFS TRUST	29,708	$1.3M	0.22%
47	JPMJPMORGAN CHASE & CO.	3,984	$1.3M	0.22%
48	EEMISHARES TR	22,761	$1.2M	0.21%
49	VEUVANGUARD INTL EQUITY INDEX F	16,650	$1.2M	0.21%
50	PHOINVESCO EXCHANGE TRADED FD T	16,193	$1.1M	0.19%
51	VTVVANGUARD INDEX FDS	5,730	$1.1M	0.19%
52	EFIVSPDR SERIES TRUST	15,284	$1.0M	0.17%
53	CWISPDR INDEX SHS FDS	28,103	$1.0M	0.17%
54	PJANINNOVATOR ETFS TRUST	21,400	$1.0M	0.17%
55	XLESELECT SECTOR SPDR TR	22,042	$985K	0.17%
56	BKLCBNY MELLON ETF TRUST	7,460	$975K	0.17%
57	XMESPDR SERIES TRUST	8,858	$917K	0.16%
58	VONEVANGUARD SCOTTSDALE FDS	2,870	$886K	0.15%
59	ORCLORACLE CORP	4,351	$848K	0.14%
60	SCHXSCHWAB STRATEGIC TR	28,455	$765K	0.13%
61	LRCXLAM RESEARCH CORP	4,472	$765K	0.13%
62	IBMINTERNATIONAL BUSINESS MACHS	2,569	$760K	0.13%
63	KOCOCA COLA CO	10,635	$743K	0.13%
64	URTHISHARES INC	3,985	$740K	0.13%
65	DBEFDBX ETF TR	15,341	$738K	0.13%
66	MGKVANGUARD WORLD FD	1,723	$711K	0.12%
67	PGPROCTER AND GAMBLE CO	4,846	$694K	0.12%
68	JNJJOHNSON & JOHNSON	3,312	$685K	0.12%
69	IUSGISHARES TR	4,000	$671K	0.11%
70	SHYISHARES TR	7,999	$662K	0.11%
71	BJUNINNOVATOR ETFS TRUST	14,103	$659K	0.11%
72	VOTVANGUARD INDEX FDS	2,343	$654K	0.11%
73	ECLECOLAB INC	2,472	$648K	0.11%
74	IWPISHARES TR	4,725	$647K	0.11%
75	IEIISHARES TR	5,420	$646K	0.11%
76	MRKMERCK & CO INC	6,047	$636K	0.11%
77	VBILVANGUARD INSTL INDEX FD	8,344	$629K	0.11%
78	SPABSPDR SERIES TRUST	23,997	$617K	0.10%
79	PLTRPALANTIR TECHNOLOGIES INC	3,437	$610K	0.10%
80	AVGOBROADCOM INC	1,713	$592K	0.10%
81	QQQMINVESCO EXCH TRADED FD TR II	2,286	$578K	0.10%
82	SPEMSPDR INDEX SHS FDS	12,211	$571K	0.10%
83	EAGGISHARES TR	11,942	$571K	0.10%
84	DSIISHARES TR	4,392	$565K	0.10%
85	PJULINNOVATOR ETFS TRUST	12,013	$557K	0.09%
86	EDIVSPDR INDEX SHS FDS	14,169	$554K	0.09%
87	XLFSELECT SECTOR SPDR TR	10,062	$551K	0.09%
88	EFAXSPDR INDEX SHS FDS	10,525	$531K	0.09%
89	PAPRINNOVATOR ETFS TRUST	13,545	$529K	0.09%
90	VEAVANGUARD TAX-MANAGED FDS	8,436	$526K	0.09%
91	ZAUGINNOVATOR ETFS TRUST	18,821	$502K	0.09%
92	VYMVANGUARD WHITEHALL FDS	3,444	$494K	0.08%
93	IWSISHARES TR	3,478	$490K	0.08%
94	AMGNAMGEN INC	1,485	$486K	0.08%
95	JBNDJ P MORGAN EXCHANGE TRADED F	8,908	$481K	0.08%
96	EMXCISHARES INC	6,600	$479K	0.08%
97	ETNEATON CORP PLC	1,475	$469K	0.08%
98	DFAXDIMENSIONAL ETF TRUST	13,691	$448K	0.08%
99	VLYVALLEY NATL BANCORP	37,097	$433K	0.07%
100	DISDISNEY WALT CO	3,719	$423K	0.07%

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